The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$19,733
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$624/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,276/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,953
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$597/mo
Today · 4.125%
HK$23,139
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,220/mo
Deposit HK$4.33M · loan HK$4.33M · min. income ≈ HK$46,278/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,417
−HK$748/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,531/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,051
−HK$716/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,231
+HK$1,464/mo
Deposit HK$3.46M · loan HK$5.19M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,627
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$28,486
−HK$873/mo
Today · 4.125%
HK$29,359
baseline
▲ 0.50% · 4.625%
HK$31,146
+HK$1,787/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$58,718/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$836/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,103
+HK$1,708/mo
Deposit HK$2.60M · loan HK$6.06M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$2.86M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$1,123/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,297/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,516
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,075/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,195/mo
Deposit HK$865K · loan HK$7.79M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$259,623 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).